Prepended I am going to follow this up with more detail later - I'm off to work and don't have time to drop anything except the briefest of notes
Actually... that was the really short and abbreviated answer. I gave only the merest sketch of an outline of where the answer might be. From what you've said it sounds like you should be paying a billing company to handle this for you. You are not equipped to solve this problem given the resource limits you've intimated at. You have no business taking people's credit cards at whatever site this is. Shame on you if you do. This is a good time to familiarize yourself with Abigail's Oath.
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